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Loans Held for Sale (Tables) | 6 Months Ended
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Jun. 30, 2025
Loans Held For Sale |
Schedule of Aggregate Fair Value Loans Held for Sale | The following table presents the aggregate fair value and the aggregate unpaid principal balance of loans held for sale: Schedule of Aggregate Fair Value Loans Held for Sale
|  | As of June 30, 2025 |  |  | As of December 31, 2024 |
Aggregate fair value |  | $ | 165,876,119 |  |  | $ | 131,181,148 |
Unpaid principal balance |  |  | 162,693,700 |  |  |  | 128,948,072 |
Unrealized gain |  |  | 3,182,419 |  |  |  | 2,233,076 |
Schedule of Mortgage Fee Income for Loans Held for Sale | Major categories of mortgage fee income for loans held for sale are summarized as follows: Schedule of Mortgage Fee Income for Loans Held for Sale
|  | Three Months Ended June 30, |  |  | Six Months Ended June 30, |
|  | 2025 |  |  | 2024 |  |  | 2025 |  |  | 2024 |
Loan fees |  | $ | 6,709,062 |  |  | $ | 7,366,232 |  |  | $ | 11,963,152 |  |  | $ | 12,886,697 |
Interest income |  |  | 2,366,245 |  |  |  | 2,263,915 |  |  |  | 4,033,679 |  |  |  | 3,746,735 |
Secondary gains |  |  | 20,185,222 |  |  |  | 18,674,595 |  |  |  | 37,140,165 |  |  |  | 33,405,569 |
Change in fair value of loan commitments |  |  | 132,404 |  |  |  | 429,823 |  |  |  | 606,944 |  |  |  | 991,601 |
Change in fair value of loans held for sale |  |  | 308,074 |  |  |  | 1,197,075 |  |  |  | 949,342 |  |  |  | 896,185 |
Provision for loan loss reserve |  |  | (215,903 | ) |  |  | (312,124 | ) |  |  | (398,937 | ) |  |  | (475,601 | )
Mortgage fee income |  | $ | 29,485,104 |  |  | $ | 29,619,516 |  |  | $ | 54,294,345 |  |  | $ | 51,451,186 |
Summary of Loan Loss Reserve Included in Other Liabilities and Accrued Expenses | The loan loss reserve, which is included in other liabilities and accrued expenses, is summarized as follows: Summary of Loan Loss Reserve Included in Other Liabilities and Accrued Expenses
|  | As of June 30, 2025 |  |  | As of December 31, 2024 |
Balance, beginning of period |  | $ | 696,626 |  |  | $ | 547,233 |
Provision on current loan originations (1) |  |  | 398,937 |  |  |  | 932,154 |
Charge-offs, net of recaptured amounts |  |  | (422,258 | ) |  |  | (782,761 | )
Balance, end of period |  | $ | 673,305 |  |  | $ | 696,626 |
(1) | Included in mortgage fee income

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